Consumer Compliance Regulatory Resources

This webpage presents information about compliance with consumer lending and deposit laws and regulations, including those arising out of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The webpage provides access to NCUA Regulatory Alerts, Supervisory Letters, webinars and quick reference guides, as well as to Consumer Financial Protection Bureau's rules, compliance guides, and other federal resources. Direct any questions to the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at compliancemail@ncua.gov.

Consumer Financial Protection Updates

Consumer Financial Protection Updates announce new activity on consumer compliance laws, regulations and guidance. They briefly describe the action taken and provide links to relevant materials. Through these updates, the NCUA’s Office of Consumer Financial Protection helps keep credit unions up to date on the most recent amendments and regulatory changes.

Consumer Protection Updates
Number Title
19-17 CFPB Issues Correction to Final Rule on Adjusted 2020 HOEPA Threshold
19-16 CFPB Issues Exemption Thresholds for 2020 Credit Transactions
19-15 CFPB Issues Amendments to HMDA Rule
19-14 Federal Reserve Issues Correction to Final Rule on Availability of Funds and Collection of Checks
19-13 CFPB Announces Adjusted 2020 TILA Fees and Thresholds

Recently Added Resources

CFPB HMDA (Regulation C) Small Entity Compliance Guide version 4.0 (January 2020)

CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset Size Exemption Threshold (Effective Jan. 1, 2020)

CFPB Adjustment to Asset-Size Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2020)

CFPB TRID:  Combined Construction Loan Guide (Dec. 2019)

CFPB TRID:  Separate Construction Loan Guide (Dec. 2019)

CFPB Correction to Truth in Lending (regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM) Final Rule (Effective Jan. 1, 2020)

CFPB Truth in Lending (Regulation Z); Screening and Training Requirements for Mortgage Loan Originators with Temporary Authority Interpretive Rule (Effective Nov. 24, 2019)

Annual Adjustment Under Fair Credit Reporting Act (Effective Jan. 1, 2020)

CFPB Regulation Z (Truth in Lending) Screening and Training Requirements for Loan Originators Final Rule (Effective Nov. 24, 2019)

CFPB Loan Originator Rule Small Entity Compliance Guide, version 4.0

Appraisals for Higher-Priced Mortgage Loan Exemption Threshold Adjustment (Effective Jan. 1, 2020)

Annual Adjustment to Dollar Threshold for Exempt Consumer Leases under the Consumer Leasing Act and Regulation M (Effective Jan. 1, 2020)

 

This webpage contains general information pertaining to consumer compliance resources. Its content is not intended as a source or substitute for legal or other professional advice. Although we take reasonable measures to ensure that the webpage content is accurate and current, we make no express or implied warranty regarding this content. We expressly disclaim all legal liability and responsibility to anyone who uses or accesses this content. If you require professional advice, contact a qualified professional for assistance.